Summary
Conclusion
the dossier summarised in one paragraphThe computed 12-month bankruptcy probability of COWALEX is 1.3% (low). The company has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. No processed annual-account figures are available; this conclusion rests on registry and State Gazette data only.
Based on State Gazette and CBE data.
Filing behaviour
From the deposit records, complete market-wide| Year closed | Due by | Filed | Variance | Reference |
|---|---|---|---|---|
| 31-12-2025 | 31-07-2026 | nothing on record | not filed | - |
| 31-12-2024 | 31-07-2025 | 30-07-2025 | 1 d early | 2025-00346538 |
| 31-12-2023 | 31-07-2024 | 06-08-2024 | 6 d late | 2024-00333893 |
| 31-12-2022 | 31-07-2023 | 24-07-2023 | 7 d early | 2023-00267959 |
| 31-12-2021 | 31-07-2022 | 06-07-2022 | 25 d early | 2022-20166123 |
| 31-12-2020 | 31-07-2021 | 22-07-2021 | 9 d early | 2021-40900248 |
| 31-12-2019 | 31-07-2020 | 09-06-2020 | 52 d early | 2020-16000291 |
| 31-12-2018 | 31-07-2019 | 23-07-2019 | 8 d early | 2019-37500156 |
| 31-12-2017 | 31-07-2018 | 12-06-2018 | 49 d early | 2018-18900363 |
| 31-12-2016 | 31-07-2017 | 12-06-2017 | 49 d early | 2017-16600323 |
| 31-12-2015 | 31-07-2016 | 04-08-2016 | 4 d late | 2016-40500296 |
Source: the National Bank's deposit records. Those records are complete, including for years whose figures we have not read yet. Filing late covers nearly half the market and is therefore not scored; only not filing, being more than 90 days late and breaking a punctual record carry weight.
Trust signals
2 signalsAdministrative Flags
Bankruptcy probability (12 mo)
Checked model v1 · free for everyoneStatistical estimate based on public sources, not credit advice nor a finding of fact. How do we compute this?
Financials
Annual accounts & ratios
Source: NBB| Fiscal year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2024 | volledig | 30-07-2025 | 2025-00346538 |
| 31-12-2023 | volledig | 06-08-2024 | 2024-00333893 |
| 31-12-2022 | volledig | 24-07-2023 | 2023-00267959 |
| 31-12-2021 | volledig | 06-07-2022 | 2022-20166123 |
| 31-12-2020 | volledig | 22-07-2021 | 2021-40900248 |
| 31-12-2019 | volledig | 09-06-2020 | 2020-16000291 |
| 31-12-2018 | volledig | 23-07-2019 | 2019-37500156 |
| 31-12-2017 | volledig | 12-06-2018 | 2018-18900363 |
| 31-12-2016 | volledig | 12-06-2017 | 2017-16600323 |
| 31-12-2015 | volledig | 04-08-2016 | 2016-40500296 |
Directors
Directors & mandates
16 directors-
Current20-11-2025 → present
-
Current08-08-2023 → present
-
Current28-08-2017 → present
3 events
- 16-08-2023 Mandate renewed· Director
- 25-06-2020 Mandate renewed· Director
- 28-08-2017 Mandate renewed· Director
-
Current03-04-2014 → present
4 events
- 16-08-2023 Mandate renewed· Director
- 25-06-2020 Mandate renewed· Director
- 28-08-2017 Mandate renewed· Director
- 03-04-2014 Appointed· Director
-
Current03-04-2014 → present
5 events
- 16-08-2023 Mandate renewed· Director
- 25-06-2020 Mandate renewed· Director
- 28-08-2017 Mandate renewed· Director
- 03-04-2014 Resigned· Director
- 03-04-2014 Appointed· Managing director
Historic, not recently confirmed (5)
-
Not recently confirmedlast confirmed in an act from 2014
-
Not recently confirmedlast confirmed in an act from 2014
-
Not recently confirmedlast confirmed in an act from 2014
-
Not recently confirmedlast confirmed in an act from 2014
-
Not recently confirmedlast confirmed in an act from 2014
Former directors (6)
-
Former01-11-2018 → 20-11-2025
6 events
- 20-11-2025 Resigned· Director
- 16-08-2023 Mandate renewed· Director
- 25-06-2020 Mandate renewed· Director
- 30-07-2019 Mandate renewed· Director
- 01-11-2018 Mandate renewed· Director
- 01-11-2018 Appointed· Director
-
Former31-08-2018 → 16-08-2023
6 events
- 16-08-2023 Resigned· Director
- 08-08-2023 Resigned· Director
- 25-06-2020 Mandate renewed· Director
- 30-07-2019 Mandate renewed· Director
- 31-08-2018 Mandate renewed· Director
- 31-08-2018 Appointed· Director
-
Former28-08-2017 → 01-11-2018
2 events
- 01-11-2018 Resigned· Director
- 28-08-2017 Mandate renewed· Director
-
Former18-04-2017 → 31-08-2018
2 events
- 31-08-2018 Resigned· Director
- 18-04-2017 Appointed· Director
-
Former- → 18-04-2017
3 events
- 18-04-2017 Resigned· Director
- 01-04-2017 Resigned· Director
- 03-04-2014 Resigned· Director
-
Former- → 03-04-2014
Statutory auditor
6 auditors| Statutory auditor | IRE/IBR number | Tenure |
|---|---|---|
| SRL DELOITTE Réviseurs d'EntreprisesCurrent Statutory auditor · represented by Carl Laschet |
- | 20-11-2025 → present |
| Cabinet KPMG Statutory auditor · represented by Alexis PALM succeeded by KPMG Réviseurs d'Entreprises SCRL civile in 2016 |
- | 19-08-2014 → 06-04-2016 |
| KPMG Bedrijfsrevisoren Burg. CVBA Statutory auditor · represented by Vanessa Cordonnier succeeded by KPMG Réviseurs d'Entreprises SCRL in 2023 |
- | 28-08-2017 → 16-08-2023 |
| KPMG Réviseurs d'Entreprises SCRL Statutory auditor · represented by Vanessa Cordonnier succeeded by SRL DELOITTE Réviseurs d'Entreprises in 2025 |
- | 16-08-2023 → 20-11-2025 |
| KPMG Réviseurs d'Entreprises SCRL civile Statutory auditor · represented by Vanessa Cordonnier succeeded by KPMG Bedrijfsrevisoren Burg. CVBA in 2017 |
- | 06-04-2016 → 28-08-2017 |
| KPMG Réviseurs d'Entreprises SRL Statutory auditor · represented by Vanessa Cordonnier |
- | - → 20-11-2025 |
Insolvency mandates
Legal Structure
| NACE primary | Installatie van verwarming, klimaatregeling, koeling en ventilatie aangedreven door elektriciteit(43222) |
| Legal form | Public limited company(014) |
| Incorporation | 15-03-1989 |
| Status | Active |
| Postal code | 1060 |
Structure & network
Connections & network
7 connected companiesLocations & real estate
Registered office
from the Crossroads BankThis address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Poincarélaan 78-791060 Sint-Gillis (bij-Brussel)Establishment units
2 locationsReal-estate footprint
Source: CBE × cadastre · address linkingParcels linked to this company through its CBE addresses (seat, establishment units, branches), cross-referenced with the cadastral parcel plan. This shows where the company operates, not a deeds register.
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 25762G0500/00C000 ProtectedArchitectural ensemble |
Wallonia | 1.9 ha | 1 · 5,455 m² | 16.2 m · 2 fl. |
| 21562A0397/00M006 | Brussels | 2,910 m² | 1 · 1,416 m² | 31.0 m · 8 fl. |
Publications
Lifecycle & Insolvency Signals
Belgisch Staatsblad · acts
21 acts20-11-2025 2 directors appointed, 2 resigning
- Carl Laschet, Commissaris
- Franck Arlen, Bestuurder
- Vanessa Cordonnier, Commissaris
- Nicolas Germond, Bestuurder
19-08-2024 Publication in the Belgian Official Gazette, Miscellaneous
29-09-2023 1 director appointed, 1 resigning
16-08-2023 1 resigning, 5 reappointed
- Bart ALLAERT, Bestuurder
- Emmanuel BERRYER, Bestuurder
- Pascal LAURENT, Bestuurder
- Jehan DELACROIX, Bestuurder
- Nicolas GERMOND, Bestuurder
- Vanessa Cordonnier, Commissaris
27-03-2023 Registered office moved from Anderlecht to Saint-Gilles
- Quai Fernand Demets 52, 1070 Anderlecht → Boulevard Poincaré 78-79, 1060 Saint-Gilles
25-06-2020 1 director appointed, 5 reappointed
- Vanessa Cordonnier, Commissaris
- Emmanuel BERRYER, Bestuurder
- Pascal LAURENT, Bestuurder
- Jehan DELACROIX, Bestuurder
- Nicolas GERMOND, Bestuurder
- Bart ALLAERT, Bestuurder
22-05-2020 Articles of association amended
30-07-2019 2 directors appointed, 2 resigning, 2 reappointed
- Bart ALLAERT, Bestuurder
- Nicolas GERMOND, Bestuurder
- Franck GENIN, Bestuurder
- Gérald ROY, Bestuurder
- Bart ALLAERT, Bestuurder
- Nicolas GERMOND, Bestuurder
30-07-2019 2 resigning, 2 reappointed
- Franck GENIN, Bestuurder
- Gérald ROY, Bestuurder
- Bart ALLAERT, Bestuurder
- Nicolas GERMOND, Bestuurder
14-12-2018 1 director appointed, 1 resigning
14-12-2018 1 director appointed, 1 resigning
26-09-2018 1 director appointed, 1 resigning
26-09-2018 1 director appointed, 1 resigning
25-07-2018 Publication in the Belgian Official Gazette, Miscellaneous
25-07-2018 Publication in the Belgian Official Gazette, Miscellaneous
28-08-2017 1 director appointed, 1 resigning, 5 reappointed
- Franck GENIN, Bestuurder
- Patrick LABAT, Bestuurder
- Emmanuel BERRYER, Bestuurder
- Pascal LAURENT, Bestuurder
- Jehan DELACROIX, Bestuurder
- Gérald ROY, Bestuurder
- Vanessa Cordonnier, Commissaris
28-08-2017 2 directors appointed, 1 resigning, 4 reappointed
- Franck GENIN, Bestuurder
- Vanessa Cordonnier, Commissaris
- Patrick LABAT, Bestuurder
- Emmanuel BERRYER, Bestuurder
- Pascal LAURENT, Bestuurder
- Jehan DELACROIX, Bestuurder
- Gérald ROY, Bestuurder
06-04-2016 1 director appointed, 1 resigning
19-08-2014 Alexis PALM appointed as statutory auditor
03-04-2014 7 directors appointed, 3 resigning
- Emmanuel Evence Ecuyer BERRYER, Bestuurder
- Jehan Georges DELACROIX, Bestuurder
- Gérald Jacques ROY, Bestuurder
- Pascal Emile LAURENT, Bestuurder
- Patrick Marie LABAT, Bestuurder
- Pascal Laurent, Gedelegeerd bestuurder
- Emmanuel Berryer, Bestuurder
- Daniel NOÉ, Bestuurder
Analysis
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Credit advice
verdict per customer and amountSimilar
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Company registry (CBE)
Crossroads Bank| Legal nameFR | COWALEX |